In the event of a road accident which is not your fault while towing a caravan, many owners don’t realise that their car insurance policy only covers damage sustained to a third party, it doesn’t cover any damage caused to their caravan. When you consider that a caravan is just as likely to be damaged or stolen when detached from its towing vehicle, it makes sense to purchase caravan insurance cover online.
Select The Right Insurance
There are many things to consider before selecting an insurance policy for your caravan. Insurance for your touring caravan will protect it while you’re on the road, however not all policies cover the same things. The more touring you do the more cover you’ll require, there are specific insurance packages that can provide various cover options when travelling abroad, some can provide alternative accommodation until repairs are made to your caravan. So do discuss your plans with an insurance adviser before setting off on holiday.
Main Policy Cover
There are numerous insurance policies to choose from for caravans, the following are generally included in the main policy cover.
- New for old cover – this ensures that if your caravan is stolen or damaged beyond repair, it will be replaced with a new model
- Personal effects – these are generally items taken from your caravan home while on holiday
- European use – caravan insurance is ideal for travelling abroad – policies can vary from 90 to 240 days per trip
- Caravan Club discount
- Recovery of caravan to the nearest repairer and delivery back to your registered address
It’s worth noting that preventing theft will help to keep your no-claims bonus intact and also you’ll have a better opportunity to benefit from the many discounts that are on offer. Have a think about installing alarms, tracking devices and other security measures in your caravan, these extras will also help keep insurance premiums to a minimum.
Discounts
You may receive useful discounts on caravan insurance to help you save even more money, respected brokers will inform their clients about any discounts available and what they may be eligible for. Discounts are usually taken off the premium you pay saving you additional cash in the process. If you belong to a caravan owners’ club members may also receive an extra discount of up to 15% off, speak to a reliable broker for more insurance information.